Senior Credit Analyst

Job Description - Consumer Financing

The Senior Credit Analyst evaluates the creditworthiness of complex or high-value individual applicant. You will handle sophisticated underwriting files requiring manual review, exercise high-level independent lending authority, and mentor junior analytical staff. This role acts as a primary defender of the portfolio's credit quality while optimizing the speed of the retail approval pipeline.

• Complex Underwriting: Evaluate high-net-worth individual files, complex income structures (e.g., self-employed, commission-heavy, multi-sourced income), and high-risk exceptions.
• Credit Authority Execution: Exercise independent manual approval/denia authority up to designated limits.
• Mentorship & Coaching: Provide technical guidance, policy interpretation, and file sign-offs for entry-level credit analysts.
• Policy Optimization: Analyze credit portfolio performance and default trends to recommend strategic updates to automated scoring engines and underwriting criteria.
• Regulatory Oversight: Serve as the department's internal expert on federal and local consumer compliance laws (e.g., Fair Credit Reporting Act, anti-money laundering standards).
• Escalation Management: Act as the main point of contact for Management to resolve disputed credit decisions or structure unique, high-tier credit offerings.

Job Requirements & Technical Skills

1. Education: Bachelor’s degree in finance, Accounting, Economics, Business Administration or a related quantitative field. A professional certification (e.g., CFA, FRM) is a strong plus.
2. Experience: 1 to 2+ years of experience directly within retail banking, consumer loan processing, underwriting or credit risk management.
3. Technical Software: Proficiency in using loan origination systems (LOS)
4. Analytical Sophistication: Deep expertise in tracing complex tax returns, corporate financial statements (for self-employed individuals), cross-collateralization, and debt-to-income (DTI) optimization.
5. Soft Skills: Exceptional attention to detail, objective critical thinking, and strong communication skills for interacting with customers.